In view of the barrier that users held a low
adoption intention of mobile securities currently, this study
developed a theoretical model of user adoption on mobile
securities services based on Technology Acceptance Model,
and attempted to explore the influencing factors which play
a role in user adoption. By collecting questionnaire survey
data, we proceeded statistical analysis and Structural
Equation Modeling analysis with SPSS and AMOS, and
tested the theoretical model and further made a discussion
on the results of data analysis. The results shown that
perceived usefulness and perceived ease of use posed a
significant positive impact on user adoption on mobile
securities services but perceived risk posed a significant
negative impact; the impact of perceived cost on user
adoption on mobile securities services was not significant.
We also verified the impacts of usability of mobile device
and usability of mobile communication network. Ultimately,
we proposed suggestions to all participants of mobile
securities and pointed out the direction of future work.